Disclaimer

General information, not advice

Content on this website is published for general information and education. It is not financial, investment, tax, insurance, or legal advice. It is not tailored to your objectives, risk tolerance, or personal circumstances. You should not act on it without advice from a qualified professional who has taken time to understand your situation.

Visiting this site, sending an email, or booking a conversation does not create a client, advisory, or fiduciary relationship. That relationship, if any, begins only when both sides agree in writing.

Dealer and insurance disclosure

Mutual funds and ETFs are offered through Global Maxfin Investments Inc. K. Joel Leonard is a dealing representative of Global Maxfin Investments Inc. Global Maxfin Investments Inc. is a mutual fund dealer regulated by the Canadian Investment Regulatory Organization (CIRO). KJL Financial and Consulting Services is a trade name used by K. Joel Leonard and is not a registered dealer.

Insurance products are offered through Global Insurance Solutions Inc. Financial planning services are provided by K. Joel Leonard, CFP®, under the trade name KJL Financial and Consulting Services. Mutual fund business, insurance, and financial planning are separate activities. Global Maxfin Investments Inc. is responsible only for mutual fund business. Insurance products are not offered by Global Maxfin Investments Inc.

Client logins

Links on the For clients page send you to separate providers. Those logins, documents, and holdings are governed by those providers’ terms. This website is not the system of record for your accounts.

No offering of securities

Nothing on this site is an offer to sell, or a solicitation to buy, any security, investment fund, or other financial product. The sale of securities and the provision of investment advice in respect of securities are regulated in Canada. Registration, an exemption, or another permitted category may be required. Holding the CFP® designation does not, by itself, authorize the sale of securities or the management of investment portfolios.

References to investments on this site are high-level planning context only. They are not recommendations to buy, sell, or hold any security, and they are not a comparison of specific products.

Insurance, tax, and legal work

Insurance products are offered through Global Insurance Solutions Inc. Legal documents such as wills and powers of attorney are prepared by qualified legal professionals. Tax filings and tax opinions are the work of tax professionals. I may help you see how those pieces fit a plan and may suggest when to involve the right specialist. That coordination is not a substitute for those licences or retainers.

Accuracy and third-party sites

I take care with what I publish, but rules, markets, and personal situations change. Information may become outdated. Links to other sites are provided for convenience; I am not responsible for their content or privacy practices.

CFP® marks

CFP®, CERTIFIED FINANCIAL PLANNER® and the CFP® logo are certification marks owned outside the U.S. by Financial Planning Standards Board Ltd. (FPSB). FP Canada is the marks licensing authority for the CFP® marks in Canada, through agreement with FPSB.

Use of the marks on this site identifies K. Joel Leonard as a CFP® professional. It is not an endorsement by FP Canada or FPSB of this website or of any product or service.

Contact

Questions about this notice: joel.leonard@gmii.ca. Personal information is described in the privacy notice.